LH Chapter 6 FL Manual
Quiz by Brian Morton
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10 questions
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- Q1In which of the following situations does the incontestable clause apply?No insurable interestConcealment of smokingImpersonation of the applicant by anotherIntent to murder60s
- Q2Which of the following is(are) a common life insurance policy exclusion?All of the answersDeath by commercial aviationDeath from warDeath by accidental means60s
- Q3All of the following are standard life insurance policy nonforfeiture options EXCEPTReduced paid-up (permanent) insurance optionExtended term insurance optionCash surrender option1-year term insurance option60s
- Q4Which life insurance provision allows the policyowner to inspect and, if dissatisfied, to return the policy for a full refund?Waiver of premiumProbationary periodProbationary periodFree look60s
- Q5“If an insurance company determines that the insured is totally disabled, the policyowner is relieved of paying the policy premiums as long as the disability continues.” This statement describesThe premium suspension clauseThe waiting period exemptionThe waiver of premium riderThe disability income rider60s
- Q6To what period would a 14-day free-look provision apply in Florida?The first 14 days after the issued policy has been received by the insuredThe first 14 days after the policy has been issued by the insurerThe first 14 days after the application has been received by the insurerThe first 14 days after the application has been signed by the applicant60s
- Q7Which provision of a life insurance policy states that the application is part of the contract?Insuring clauseIncontestable clauseEntire contract clauseConsideration clause60s
- Q8Which of the following is stated in the consideration clause of a life insurance policy?Benefits payable upon the insured’s deathInsured’s risk classificationInsured’s general health conditionAmount and frequency of premium payments60s
- Q9Leland elects to surrender his whole life policy for a reduced paid-up policy. The cash value of his new policy willContinue to increaseRemain the same as in the old policyDecrease graduallyBe forfeited60s
- Q10The rider that provides for a waiver of premiums on a juvenile policy if the adult payor dies or becomes disabled isA waiver of premium riderA guaranteed insurability riderAn automatic premium loan riderA payor rider60s